Terms of Use

Welcome to our Web site,
www.NewRetirement.com
(the "Site"). The term "NewRetirement", "NR", "us" or
"our" refers to NewRetirement, Inc, the legal name of the owner of the Site.
The term "you" refers to the user or viewer of our Site. The following terms of
use in this agreement (the "Agreement") describe the terms and conditions
applicable to your use of the Site and any service offered by us through the
Site (the "Service"). Please review the Agreement and its corresponding privacy
policy (the "Privacy Policy"), which is incorporated by reference, carefully, as
by using the Site, you agree to comply with and be bound by its terms. If you do
not agree to these terms, you may not use or access the Site or Service.

1. Acceptance of Agreement; Entire
Agreement. You agree that this Agreement constitutes the
entire and only agreement between NR and you, and supersedes all prior or
contemporaneous agreements, representations, warranties and understandings, if
any, with respect to the Site, the content, products or Service provided by or
through the Site, and the subject matter of this Agreement. This Agreement may
be amended at any time without notice to you. The latest Agreement will be
posted on the Site, and you should review this Agreement prior to using the
Site.

2. Financial Products and Services.
You understand that through the Site, we offer the Service, which provides an
online information portal and marketplace where you can research and compare
solutions in a number of different categories, including loans, reverse
mortgages, and insurance. You acknowledge and agree that if you submit a request
for any product or service offered through the Service, NR will share your
personal information (such as your full name, address, telephone number, and
social security number) with the providers in our provider network who can
fulfill your request, including banks, mortgage bankers and brokers (the "Provider(s)").

You acknowledge and agree that NR only refers you
to the Providers and does not make loan or other product related decisions in
connection with the Service; NR is not a party to any agreement that you may
make with the Provider; and the Provider is solely responsible for its services
to you. You also acknowledge that by providing the Service through the Site, NR
is not your agent or broker and does not recommend any specific product, service
or Provider to you.

Any compensation NR may receive for the Service
provided hereunder is paid by Providers for the products and services rendered
by NR to that particular Provider. NR does not charge you any fees to use the
Site or the Service. You understand that requirements for a specific loan
product are made by the individual Provider and that NR does not endorse,
warrant, or guarantee the products or services of any Provider. Nothing
contained herein constitutes an offer or guarantee for a loan commitment,
interest rate lock-in agreement or any specific financial product price or quote
commitment. You agree that NR is not and shall not be liable for any damages,
costs, liabilities or losses of any type which arise or may arise out of or in
connection with your use of the Provider's service.

By submitting your request for a financial
product, you agree that the Providers may contact you by telephone, email or
mail based on the information you have provided to us, even if you have opted
into the National Do Not Call List administered by the Federal Trade Commission
or any state equivalent Do Not Call List. You understand that the Providers may
retain the information you submitted to NR whether you elect to use their
services or not. If you no longer want to receive communications from a
Provider, you agree to notify the Provider directly. You also grant NR
permission to send you regular updates of current financial products which may
be of interest to you.

3. Other Products and Services. You
understand and agree that if you request a product or service other than a
financial product such as Real Estate brokerage assistance offered through the
Service, NR will share your information with those business partners necessary
to complete your request. You also agree that our business partners may contact
you by telephone, email or mail based on the information you have provided to
us, even if you have opted into the National Do Not Call List administered by
the Federal Trade Commission or any state equivalent Do Not Call List. You
understand that NR business partners may retain the information you submitted to
NR whether you elect to use their services or not. If you no longer want to
receive communications from an NR business partner, you agree to notify the
partner directly.

4. Use of the Site and Service. You certify
to NR that: (i) you are eighteen (18) years of age or older; (ii) you assume
complete responsibility for the use of the Service by any minors; (iii) you
agree that all information you have submitted to NR, online or otherwise, is
complete and accurate, and that you have not intentionally submitted false
information on or through the Site or Service; and (iv) your use of the Site and
Service is subject to all applicable federal, state, and local laws and
regulations.

All calculators and tools on the NewRetirement site are designed to be
informational and educational tools only and do not constitute investment advice.
We strongly recommend that you seek the advice of a financial services professional
before making any type of investment. We also encourage you to review your
investment strategy periodically as your financial circumstances change. These tools
& models are provided as a rough approximation of future financial performance.
The results presented by these calculators are hypothetical and may not reflect
the actual growth of your own investments. NR and its affiliates are not responsible
for the consequences of any decisions or actions taken in reliance upon or as a
result of the information provided by these tools. NR is not responsible for any
human or mechanical errors or omissions.

The Community sections on the NewRetirement site are designed to be informational
and educational only. Community postings do not constitute investment advice; nor do
they reflect the opinions or policies of NewRetirement. Community posts are solely the
opinion and responsibility of the person posting the message. We strongly recommend
that you seek the advice of a financial services professional before making any type
of investment. We also encourage you to review your investment strategy periodically
as your financial circumstances change. NewRetirement and its affiliates are not
responsible for the consequences of any decisions or actions taken in reliance upon
or as a result of the information provided by registered users in their postings
on the NewRetirement website. NewRetirement is not responsible for any human or
mechanical errors or omissions.

If you post User Content to the Site, unless we indicate otherwise, you
grant Company and its affiliates a nonexclusive, royalty-free,
perpetual, irrevocable and fully sublicensable right to use, reproduce,
modify, adapt, publish, translate, create derivative works from,
distribute, perform and display such User Content throughout the world
in any media. You grant Company and its affiliates and sublicensees the
right to use the name that you submit in connection with such User
Content, if they choose. You represent and warrant that (a) you own and
control all of the rights to the User Content that you post or you
otherwise have the right to post such User Content to the Site and to
grant the rights granted herein; (b) the User Content is accurate and
not misleading; and (c) use and posting of the User Content you supply
does not violate these Site Terms and will not violate any rights of or
cause injury to any person or entity.

5. Prohibited Conduct. As a party to this
Agreement, you agree not to: (i) submit, transmit, promote or distribute
information or content that is illegal; (ii) submit, transmit or facilitate the
distribution of information or content that is abusive, harmful, racially or
ethnically offensive, vulgar, sexually explicit, defamatory, infringing,
invasive of personal privacy or publicity rights, or in a rational person's
view, objectionable; (iii) attempt to interfere with, compromise the system
integrity or security or decipher any transmissions to or from the servers
running the Service; (iv) take any action that imposes, or may impose at our
sole discretion an unreasonable or disproportionately large load on our
infrastructure; (v) transmit or submit invalid data, viruses, worms, or other
software agents through the Service; (vi) use any spider, robot, scraper or
other automated access the Service for any purpose without our express written
permission; (vii) impersonate a different person or otherwise misrepresent your
affiliation with a person or entity, conduct fraud, hide or attempt to hide your
identity; (viii) submit, post, upload, email, transmit or otherwise make
available any content or information that you do not have a right to make
available under any law or under contractual or fiduciary relationships; (ix)
obstruct the proper working of the Service; or (x) circumvent the measures we
may use to prevent or restrict access to the Service; (xi) submit, post, upload,
email, transmit or otherwise make available any email content from private parties;
(xii) submit, post, upload, email, transmit or otherwise make available content
or posts that solicit purchases or use of merchandise, auctions, services or
commercial Web sites, including offers to trade, "wanted" posts, or charitable
solicitations; (xiii) submit, post, upload, email, transmit or otherwise make
available any content including another individual's contact information
and/or email address.

6. Privacy Policy. NR respects and
acknowledges the importance of your privacy. Personal information submitted in
connection with the Service is subject to our Privacy Policy. For more
information, see our full
Privacy Policy.

7. Trademarks, Copyrights and other Intellectual Property
The content contained on this Website is owned or licensed by NewRetirement and its third-party information providers and is protected by applicable copyrights, trademarks, service marks, and/or other intellectual property rights. Such content is solely for your personal, non-commercial use. Accordingly, you may not copy, distribute, modify, post, frame or deep link this Website, including any text, graphics, video, audio, software code, user interface design or logos. You may download material displayed on this Website for your personal use provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Website for public or commercial purposes, including all text, images, audio, and video, without NewRetirement's written permission. Modification or use of the materials for any other purpose violates NewRetirement's intellectual property rights.

All trademarks, service marks, trade names, and logos displayed on this Website are proprietary to NewRetirement and/or their respective owners. Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Website without the written permission of NewRetirement or such other third party that may own the trademark displayed on this Website. Your use of the trademarks displayed on this Website, except as provided herein, is strictly prohibited.

The use of the images displayed on this Website by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, and the laws of privacy and publicity, and communications, as well as other regulations and statutes. If you download any information from this Website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.

8. Proprietary Rights. You acknowledge and
agree that the Service and any necessary software used in connection with the
Service (the "Software") contain proprietary and confidential information that
is protected by applicable intellectual property and other laws. You also agree
that all materials and/or content, including, but not limited to, articles,
graphics, screen shots, logos, text, drawings and other files on the Site or as
part of the Service are copyrights, trademarks, service marks, patents or other
proprietary rights of NR or their respective intellectual property owners.
Unless expressly authorized by NR, you agree not to modify, copy, reproduce,
sell, distribute or create derivative works based on or contained within the
Service or the Software, in whole or in part.

NR grants you a personal, non-transferable,
non-sublicensable and non-exclusive license to use the code of this Site, the
Service and the Software on a single computer; provided that you do not copy,
modify, create a derivative work of, reserve engineer, decompile, reverse
assemble or otherwise attempt to discover any source code, assign, sell,
sublicense, grant a security interest in or otherwise transfer any right in the
Software. You agree not to modify the Site or Software in any manner or form, or
to use modified versions of the Site or Software, including, without limitation,
for the purpose of obtaining unauthorized access to the Service by any means
other than through the interface that is provided by NR for use in accessing the
Service.

9. Links. NR may provide links to third
party websites; however, since NR does not control these websites, you
acknowledge and agree that NR is not responsible for the availability of such
external websites, and does not endorse and is not responsible or liable for any
information, content, advertising, products, whether financial or otherwise, or
other materials on or available from such websites. You also acknowledge and
agree that NR shall not be responsible or liable, directly or indirectly, for
any loss or damage caused or alleged to be caused by or in connection with use
of or reliance on any such content, products, goods or services available on or
through any such website.

10. Indemnification. You agree to indemnify
and hold NR, its subsidiaries, affiliates, agents, shareholders, officers,
contractors, vendors and employees harmless from any claim or demand, including
reasonable attorneys' fees, made by any third party due to or arising out of
your use of the Site, the Service or any Software, the violation of the
Agreement by you, or the infringement by you, or any other user of the Site, the
Service or Software using your computer, of any intellectual property or other
right of any person or entity. NR reserves the right, at its own expense, to
assume the exclusive defense and control of any matter otherwise subject to
indemnification by you.

11. No Warranty. NR PROVIDES THE SITE, THE
SERVICE, INCLUDING ANY SOFTWARE ASSOCIATED THEREWITH, "AS IS," "WITH ALL FAULTS"
AND "AS AVAILABLE," AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE,
RESULT, ACCURANCY, AND EFFORT IS WITH YOU. TO THE MAXIMUM EXTENT PERMITTED BY
APPLICABLE LAW, NR MAKES NO REPRESENTATIONS, WARRANTIES OR CONDITIONS, EXPRESS
OR IMPLIED. NR DISCLAIMS ANY AND ALL WARRANTIES OR CONDITIONS, EXPRESS,
STATUTORY AND IMPLIED, INCLUDING WITHOUT LIMITATION: (i) WARRANTIES OR
CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY,
WORKMANLIKE EFFORT, TITLE, QUIET ENJOYMENT, NO ENCUMBRANCES, NO LIENS AND
NON-INFRINGEMENT; (ii) WARRANTIES OR CONDITIONS ARISING THROUGH COURSE OF
DEALING OR USAGE OF TRADE; AND (iii) WARRANTIES OR CONDITIONS THAT ACCESS TO OR
USE OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. THERE ARE NO WARRANTIES
THAT EXTEND BEYOND THE FACE OF THIS AGREEMENT.

12. Limitation of Liability. IN NO EVENT
WILL NR BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION ANY INDIRECT,
SPECIAL, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING OUT OF, BASED
ON, OR RESULTING FROM THIS AGREEMENT OR YOUR USE OF THE SITE, THE SERVICE OR ANY
SOFTWARE ASSOCIATED THEREWITH, EVEN IF NR HAS BEEN ADVISED OF THE POSSIBLITY OF
SUCH DAMAGES. THESE LIMITATIONS AND EXCLUSIONS APPLY WITHOUT REGARD TO WHETHER
THE DAMAGES ARISE FROM (1) BREACH OF CONTRACT, (2) BREACH OF WARRANTY, (3)
STRICT LIABILITY, (4) NEGLIGENCE, (5) TORT, OR (6) ANY OTHER CAUSE OF ACTION, TO
THE EXTENT SUCH EXCLUSION AND LIMITATIONS ARE NOT PROHIBITED BY APPLICABLE LAW.
IF YOU ARE DISSATISFIED WITH THE SITE OR THE SERVICE, YOU DO NOT AGREE WITH ANY
PART OF THIS AGREEMENT, OR HAVE ANY OTHER DISPUTE OR CLAIM WITH OR AGAINST NR
WITH RESPECT THIS AGREEMENT, THE SITE OR THE SERVICE, THEN YOUR SOLE AND
EXCLUSIVE REMEDY IS TO DISCONTINUE USING SUCH.

13. Release. YOU HEREBY AGREE TO RELEASE,
REMISE AND FOREVER DISCHARGE NR AND ITS AFFILIATES, PARTNERS, SERVICE PROVIDERS,
VENDORS, AND CONTRACTORS AND EACH OF THEIR RESPECTIVE AGENTS, OFFICERS,
DIRECTORS, EMPLOYEES, AND ALL OTHER RELATED PERSONS OR ENTITIES FROM ANY AND ALL
MANNER OF RIGHTS, CLAIMS, DEMANDS, COMPLAINTS, CAUSES OF ACTION, PROCEEDINGS,
LIABLITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE
WHATSOEVER, WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER ARISE FROM, RELATE
TO, OR ARE CONNECTED WITH YOUR USE OF THE SITE OR THE SERVICE.

14. Notice. NR may provide you with
notices, including those regarding changes to the Agreement, by either email,
regular mail, or postings on the Service. All notices to NR must be made in
writing and mailed to:

15. Termination. You agree that NR may,
under certain circumstances and without prior notice, immediately terminate your
access to the Site or Service. Cause for such termination shall include, but not
be limited to: (i) breach or violation of the Agreement, other incorporated
agreements or the Privacy Policy in any manner; (ii) requests by law enforcement
or other government agencies; (iii) dismantling of the Site or discontinuance or
material modification to the Service (or any part thereof); and (iv) unexpected
technical or security issues or problems. You agree that all terminations for
cause shall be made in NR's sole discretion, and NR shall not be liable to you
or any third party for any termination of the Site or access to the Service.

16. Dealings with Third Parties. Your
correspondence or business dealings with any third parties as a result of your
visit to the Site and/or participation in the Service, including, but not
limited to, business dealings with mortgage lenders or brokers, insurance agents
or carriers, or any other terms, conditions, warranties, representations
associated with such dealings, are solely between you and such third party. You
agree that NR shall not be responsible or liable for any loss or damage of any
sort incurred as the result of any such dealings or as the result of the
presence of such third party on the Service.

17. Disputes. This Agreement will be
governed by and interpreted in accordance with the laws of the State of
California, without regard to the conflicts of laws principles thereof, as such
laws apply to contracts between California residents entered into and performed
entirely within California. The United Nations Convention on Contracts for the
International Sale of Goods does not apply to this Agreement. Any action or
proceeding arising from or relating to this Agreement must be brought
exclusively in a federal court in the Northern District of California or in a
state court in San Francisco County, California. The parties have agreed that
this Agreement will be written and construed in the English language.

18. Modification to Service. NR reserves
the right at any time and from time to time to modify or discontinue,
permanently or temporarily, the Service (or any part thereof) with or without
notice. You agree that NR shall not be liable to you or to any third party for
any modification, suspension or discontinuance of the Service.

19. Waiver and Severability of Terms. The
failure of NR to exercise or enforce any right or provision of the Agreement
shall not constitute a waiver of such right or provision. If any provision of
the Agreement is found by a court of competent jurisdiction to be invalid, the
parties nevertheless agree that the court should endeavor to give effect to the
parties' intentions as reflected in the provision, and the other provisions of
the Agreement remain in full force and effect.

20. Disclosure of Your Information. You
acknowledge, consent and agree that NR may preserve, access, and disclose the
information we collect about you if required to do so by law or in good faith
belief that such access preservation or disclosure is reasonably necessary to: (i)
abide by legal process; (ii) enforce the Agreement; (iii) respond to claims that
any information or content violated the rights of any third parties; (iv)
respond to your requests for customer service; or (v) protect the rights,
property, or personal safety of NR, its users and the public.

21. Additional Terms. You acknowledge and
agree that in addition to the terms of this Agreement, you may also be subject
to additional terms and conditions that may apply when you use or purchase
certain other NR services, affiliate services, third party content or third
party software.

23. Statute of Limitations. YOU AGREE THAT
REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION
ARISING OUT OF RELATED TO USE OF THE SERVICE OR THE AGREEMENT MUST BE FILED
WITHIN ONE 3 MONTHS AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER
BARRED.

24. Do Not Call Over-ride Authorization. Submitting your personal information
on a NewRetirement inquiry form, landing page or calculator authorizes NewRetirement
or affiliated lenders to contact me about the product or service which you are
inquiring about. This authorization overrides any prior preference placed with
NewRetirement or affiliated lenders and any other association or registration of any
phone number on federal, state or internal "do not call" list(s) owned by the mortgage
brokers or lenders.

25. Newsletter subscriptions. When a user creates an account the default
settings include receiving newsletters from NewRetirement. Users can opt out of
newsletters through the NewRetirement subscription management functionality located
in the the MyNewRetirement section.